USDC

rajput_forever

Hey, 27% stables earning 7% is a smart cushion—gives you ammo for dips without FOMO stress. - Common range: 20-30% for dry powder, adjust up in volatility. - Trade-off: More stables = safety, but opportunity cost if alts pump. - Diversify yields across Aave/Morpho; Yieldseeker on Base autos for passive USDC. Market-dependent for you?

Emigro

Emigro dot co, the neobank for nomads, is proud to offer USDC on Polygon for local instant fiat payments. Travel to Brazil and get access to Pix, paying any consumer or business for your travel expenses without requiring currency exchange. Colombia and Argentina are next! 

PirateSKB

USDC to the moon

coinfeeds-bot

tldr; Polymarket and Delphi Digital have partnered to create tradable markets based on Delphi's 2026 predictions, marking a significant shift in research accountability. Polymarket, a decentralized prediction market, allows users to trade on real-world events using USDC. This collaboration integrates Delphi's insights into live markets, enabling financial rewards for accurate predictions. The move highlights the growing importance of prediction markets in finance and research, with implications for enterprise adoption and the evolution of research credibility. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; Binance has started 2026 by listing two major projects, Binance Life and zkPass (ZKP), on January 7. Binance Life aims to integrate blockchain into daily life, while zkPass is a privacy-preserving protocol using Zero-Knowledge Proofs for secure data verification. Trading pairs include USDT, USDC, and TRY, catering to global and Turkish markets. These listings highlight Binance's focus on user experience, data privacy, and emerging blockchain technologies, reinforcing its role as a leader in the crypto space. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

watch-nerd

Interesting. Why? I tend to distrust the technical competency of the government sector vs the private sector. And the enormous liquidity of USDC gives a lot of buffer to manage flows.

watch-nerd

i don't know wants to hold that instead of USDC.

coinfeeds-bot

tldr; Wyoming has launched the Frontier Stable Token (FRNT), the first US state-issued stablecoin, now available on Kraken. Overseen by the Wyoming Stable Token Commission, FRNT is a dollar-backed stablecoin with a 2% overcollateralization target. It operates through licensed intermediaries and includes mechanisms for freezing or seizing tokens under legal directives. Unlike private stablecoins like USDC or USDT, FRNT is issued by a public entity, integrating state governance into its design. The token is available on multiple blockchain networks, including Solana and Ethereum. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Savings-Wash-4121

Yes, there are indeed many different providers on the market. I’ve personally tested several cards and unfortunately got burnt a couple of times (for example with the Hi and 2gether cards). I lost a lot of money there. Because of that, I’ve decided not to put any more money into new cards. I’ve stuck with CDC and the Bitget Wallet Card. I’ve had CDC for ages, and the Bitget Wallet is quite new. No initial investment is required there, and it works directly with USDC on Base, which you can just hold in your wallet.

kingptolemy1

Yes, holding for 4 years or greater is key. I tell newbies, only put into bitcoin what you won't need for a minimum of 4 years. Nobody has lost value holding bitcoin for 4 years or greater. So maybe start out building your savings with fiat. That's okay, after your emergency fund is stacked with fiat, sweep excess capital into USDC. earn 5% with Coinbase and begin to buy the bitcoin dips. Keep your powder dry and over a long enough time frame you will kill it. Buying bitcoin at $5 dollars when you are convinced you are late is a real mind fuk. Until $60 is the lowest you can get so you gobble that up with everything you have, then next thing you know, lowest price is $500 for Bitcoin and you laugh to yourself that you can't believe you are paying 100x from just a few years ago. Before you know it, Bitcoin 20k and you are going holy fuk! This is how it unfolds.

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Post is by: Animalverse and the url/text [ ](https://goo.gl/GP6ppk)is: https://animalverse.social/community/p/29626/ Wall Street analysts are split on how quickly Coinbase (ticker COIN) and Gemini (GEMI) can translate expansions beyond spot crypto trading into stable growth. In a note published Monday, William Blair reiterated an outperform rating on Coinbase, arguing that recent crypto market weakness masks longer-term upside as the company pushes into equities, derivatives, prediction markets, and payments infrastructure https://animalverse.social/community/p/29626/ #Coinbase #Gemini #Outlook #Exchange #Crypto #CryptoExchange #USDC *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

DanDan123crypto

If you are just sending EUR to EURe and spend to get cashback then yes. If you use crypto instead of stablecoins/fiat then the situation is very different. Although the user experience there is not great in the apps/setup. Side note, if you pay on Starknet, Starknet will give you STRK equivalent to the card fee as well as additional cashback. Plus if you enable BRRR as cashback instead of USDC it is 1% cashback. And this is without any token staking requirements. https://holyheld.com/faq/hot-topics/starknet-x-holyheld-collaboration

Previous-Alarm-8720

Thnx for the extensive explanation. I can understand your enthusiasm for holyheld. I just don’t see the financial upside compared to Gnosis. My case as an example, I hold about €250 in GNO tokens, which gives me over 2% cashback. The card is free. To earn back the fee for the card of holyheld with 0.5% cashback, I would have to spend €5800. Knowing how much I monthly spend, it would take 3 to 4 months. Spending that amount with Gnosis makes €116 cashback. To me this adds up, month after month and is more than just pennies. You’re right about ETH, high fees and slippage, but I don’t use ETH. I top up Zeal directly from my bank account to the vIBAN. It’s instant. Then convert EURe to the stablecoin I want to earn interest on. So, I can see that holyheld offers a great card: flexible being able to connect to any wallet is a great feature, and cashback directly in USDC is also a plus. But then again, these pro’s don’t outweigh the earnings of Gnosis, in my opinion.

CommunityCurrencyBot

Sorry /u/TabaccoAndFirearms, we couldn't process the withdraw request for USDC.

TabaccoAndFirearms

!withdraw 10 USDC

CommunityCurrencyBot

Sorry /u/PirateSKB, we couldn't process the withdraw request for USDC.

PirateSKB

!withdraw 100000000 USDC

CommunityCurrencyBot

Sorry /u/PirateSKB, we couldn't process the withdraw request for USDC.

PirateSKB

!withdraw 100000000 USDC As a fancy investor of cryptocurrency, I need monies

CommunityCurrencyBot

Sorry /u/ReadersAreRedditors, we couldn't process the withdraw request for USDC.

ReadersAreRedditors

!withdraw 1000000 USDC

DanDan123crypto

If you are a penny pincher, and €29 for account opening is a lot, then you should check slippage you are being charged on gnosis chain when swapping from Eth to EURe for example. Also no cap or limitations on Holyheld cashback, it's in USDC, and no requirement to hold any tokens to get cashback. There is currently also added cashback in STRK and BRRR tokens. Gnosis Pay you will probably never get the 4% cashback. Holyheld is a premium service, if you have used both, you would see why it is worth it. The app is the best designed in crypto imo

DBRiMatt

You guys would get my vote of support to receive a stipend of some sort! 🫡 Especially if its in the form of USDC as then you can do with it as you will without the perception of "insider trading" if you received moons and then sold.

GoWest1234

0.06353USDC/MUSK = 13M MC Too expensive

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Post is by: TheNavyCrow and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1q580t1/would_usdc_survive_a_coinbase_death/ in a hypothetical scenario, where coinbase vanishes, do you think USDC would survive? what are your opinions? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

DBRiMatt

You guys would get my vote of support to receive a stipend of some sort! 🫡 Especially if its in the form of USDC as then you can do with it as you will without the perception of "insider trading" if you received moons and then sold.

PsychologicalBit803

I buy USDC auto buy daily. Limit buy using Coinbase advanced. Bit of effort but no spread to worry about and fees very small.

LearnDeFi

I agree, been using it for a few months. Cashback is great and you can stake your USDC in a liquid vault that yields around 5-7% APR and spend with it directly.

mcjon3z

I would second this but to clarify it is a credit card so you have to qualify. But it pays good rewards and you don’t have to swap cash in to USDC to cover it like a debit card, you just pay the bill every month.

HugeEgg

I was t aware of the interest on USDC. What platform are you using for that? TIA!

fan_of_hakiksexydays

Is there a place where we can donate to the DAO? From what I hear the team is spending a lot of time working on this for no compensation. Is there some kind of "tip jar" for the team where we can just send you guys USDC so you can split it amongst yourselves? And can we also donate to the treasury? I've been buying some of the Mellon sell walls. I got quiet a few Moons to spare.

SBX-Bronx

I agree with accomplished. Is never too late, Just keep buying little by little. Don’t buy all at once either. What I do is setup recurring buys. I also keep funds available in USDC and have setup various stop limit orders at different prices. If Bitcoin drops to any of the limits I setup it will automatically buy $2,000 worth of bitcoin every time. When it is not low I still make 3.65 % or so apy on my USDC just sitting waiting for a Bitcoin price move. I had setup at the below levels when it was at 127,000. 59,000 / 61,000 / 71,000 / I didn’t hit any of those but I did hit at the below stop limits. 80,000 / 81,000 / 83,000 / 84,000, 86,000 / 87,000 Now I setup for 91,000 / 92,000 So even though is going up I’m still buying. But I just hold not trying to sell my bitcoin.

DoritoZNJ

I usually buy USDC and swap after that. Sometimes if I see the price crashing quick in order to buy cheaper BTC I go for MoonPay or Binance. But MoonPay is quicker for me.

mugoosett

Based on what you’re asking, IronWallet and Trezor might be a good fit. IronWallet is straightforward for desktop and Android access, and Trezor has solid multi-coin support with clear contract address info. Neither forces extra fees or weird activations. For USDT/USDC on Solana specifically, you may need to pair them with a hot wallet like Phantom for fast chain-specific interactions, but your main holdings can stay safely in a cold wallet.

CryptoAB15

Been building in stablecoin payments for a while - the growth is real but it's still early on the merchant side. Most volume is still trading and remittances. The "pay your invoice in USDC" use case is growing but nowhere near mainstream yet. Citi's numbers are bullish but they're projecting 5 years out. Lot can change.

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Post is by: Emmyrex_305 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1q4268g/why_its_still_so_hard_to_actually_spend_your/ You can buy crypto on an exchange pretty easily. But try to spend it at a shop, and you often hit a wall. It’s not just about the merchant accepting crypto. It’s about chains. Think of it like this: in the old days, dollars in a Bank of America account couldn’t easily move to a Chase account. Visa solved that by creating a network. In crypto, we have a new version of that problem. If a coffee shop in San Francisco has a QR code for payments on Base, but your USDC is in a wallet on Solana, you can’t pay. The chains don’t talk to each other seamlessly for fast, cheap payments. Bridges exist, but waiting several minutes for a confirmation isn't practical when you're at a register. A different approach to cross-chain payments Our project, ROZO, is working on this. We’ve built a tool called ROZO Intents (alpha live at bridge.rozo.ai). Instead of moving your asset slowly across a bridge, you state your intent: "I want to pay $5 from my Solana USDC." The system finds the best way to settle that on the merchant’s chain (like Base) in the background. It abstracts all the different stablecoins and chains into simple "dollars" for the merchant. The goal is to make it feel like tapping a card. How you can be part of building this (and get rewarded) Infrastructure only works if people use it. We think the early users who help test, share, and discuss it should share in the value. That’s why we set up an Ambassador Program. · Try the alpha at bridge.rozo.ai or refer someone who would. · Create useful content that explains the problem or the tool. · Have genuine discussions about crypto payments in other communities. There’s a reward pool for this. Completing two tasks qualifies you for an early share of 10-100 USDC. The most impactful contributors will be recognized as ROZO OGs. This isn’t a speculative token play. It’s about fixing a real usability issue that’s holding crypto back from everyday spending. If that’s a problem you’ve faced and want to help solve, you can find the full program details in our Discord. I’ll be here to answer questions about the tech or the vision. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: CryptoHotep and the url/text [ ](https://goo.gl/GP6ppk)is: /r/u_CryptoHotep/comments/1q3s1ny/usdc_closing_red_finally_alts/  USDC dominance is slated to finally close red on the weekly; first time since September 2025. Pretty good bearish rejection at weekly support/resistance. Dare I say: altseason anyone? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Priya-SIngh123

Totally get the confusion—stablecoins like USDC/USDT are just digital dollars pegged to $1 for crypto stability. - Earn 8-10% by lending them out in DeFi; money comes from borrowers paying interest (like banks but decentralized). - Purpose: Quick trades, borderless transfers without volatility. - Risks: Hacks or depegs, so start small. Yieldseeker on BASE is one hands-off option for yields—among others. What’s your friend saying?

oak1337

Keeta is trash but USDC > USDT

billy_the_zyn

I don’t the community at large for crypto in America realizes the work that Brian Armstrong and CoinBase (whether you like them or not) are actually doing to work with the US gov for appropriate stable coin legislation, vouching for the correct $USDC regulation, and really being a leader. They have the og 0% conversion fee contract with Circle ACH. Keeta just delivered the 2nd lowest USD to USDC ACH conversion at 0.25% on their platform, basically delivering a promise of Ripple that’s never been fulfilled.

uncapchad

I'll answer here because they'll get irritated in the r/cc daily with the long replies! A DEX is a decentralised exchange. There are many. On DEXs for the most part you trade for a stablecoin such as USDC, but if you've settled on Coinbase that's fine too, just trade straight into your country's currency. I'd sell it all for Bitcoin and keep the Bitcoin tbh. But that's a different issue entirely /s

uncapchad

yeah they are all scammers. Only info given in open posts should be given any credence. Exchange accounts - could be tricky even if you have login deets. Getting the cash out might be an issue especially if there's already a linked bank account and that account is frozen as part of deceased estate. Strictly speaking one ought to notify exchanges the holder is deceased. Wallets - you can send to any exchange and trade but you'd probably have to open your own account of you don't have one, do KYC etc. There are additional risks here because if an exchange believes your actions are "suspicious" or the origins of the coins come into question, could result in delays or freezes if you cannot prove the origin of the coins. If you are familiar with DEX trading - then you can trade all for a stable like USDC straight from the wallet. But again cashing out could also trigger AML enforcement as off-ramps to cash are largely through centralised exchanges. Again the exchange could block withdrawal of cash or the receiving bank could block it. Maybe try r/legaladvice there are number of legaladvice subs per country. Also asstd tax advice subs.

coinfeeds-bot

tldr; In 2025, Monero emerged as the most-used cryptocurrency, surpassing others in monthly usage due to its privacy features. Nano ranked second, favored for instant transactions and zero fees, while Bitcoin, boosted by Lightning Network support, secured third place. Litecoin and USDC followed, with USDC gaining traction after x402 payments integration. The statistics highlight Monero and Nano's dominance on platforms like BTCPay Server, which supports top cryptocurrencies. The data reflects growing merchant adoption and real-world usage of cryptocurrencies. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

jungle70

Took the time to go through your profile , holy shit you just go on random subs and ask the silliest questions. anyways it can take about 10 years to get paid, 1 minute into a J powell speech to lose it all🤠 so far year to date best to buy is USDC ! :

ripple_mcgee

I have mixed outlook for 2026, at least for Canada/US markets. Also, the EU seems to be forging ahead with their own version of a digital euro with no transaction fees...which could be concerning for crypto since crypto could be the competition, or an obstacle. I could see the EU regulating or banning crypto all together until it's no longer relevant there. The trump administration remains very pro crypto, and if the macroeconomic situation improves in 2026, well that would be great for all crypto. Also, if the war rhetoric could quiet down, that'd be good too. Peace in Ukraine would be a welcome thing for all markets. Tldr; I'm cautious. I converted all my alts (ie. Anything except BTC and ETH) into PAXG and USDC a few months ago...it's done well. I'm sure Bitcoin and Ether could drop further on bad news, but at this price point I feel the upside potential to be decent. I'll buy the dips.

Critical_Trade_1411

No shame—stablecoins like USDC/USDT are basically digital bucks pegged to $1, so no price pumps, but they're for parking cash in crypto without volatility swings. - Use them to lend in DeFi (e.g., Aave) where borrowers pay you interest—hence 5-10% yields vs. bank zilch. - Money comes from demand: traders borrow for leverage. - Risks: hacks, depegs—not FDIC safe. Yieldseeker on BASE automates USDC yields in beta as one easy entry. Worth dipping a toe?

Critical_Trade_1411

Sounds like 27% stables is a smart cushion—I've been burned without dry powder before. - Scale based on market vibes: Bullish? Trim to 15-20%; dips? Bump to 30%. - Diversify yields across chains to hedge risks. - Weigh opportunity cost—7% is solid, but alts might outpace. Yieldseeker on BASE automates USDC for similar returns in beta, as one option. What's your average yield breakdown?

yupgup12

>Digitized money in my account is insured and private. "Only" up to $250,000 and only if the bank fails not if you make a mistake. The former is recourse for trusting a centralized organization with your funds which obviously doesn't apply to crypto and the latter is no different than how crypto operates with respect to making a mistake. >There absolutely is government oversight on stablecoins. They will freeze your funds at the request of authorities. It already is happening. That's true but it's not that cut and dry. For example it's well known that Chinese use USDT to skirt capital controls in China. Most of those cases involve USDC and there are several stablecoins that you could use to transfer funds without risk of them getting frozen. USDe for example is a decentralized cryptocurrency that can be used without fear of any governmental oversight.

Illustrious-Boss9356

Happy New Year everyone. Take a look at the USDT 1 month chart. Concerning for the ecosystem, USDC seems to hold the peg better as of late. Think it's wise to be $CRCL on shocks to crypto. That and continue to stack BTC. Good luck in the new year all! May it bring health and prosperity to you and your loved ones.

Django_McFly

Tendermint is an SDK/consensus system for creating interoperable blockchains. The creators of this made a blockchain called Cosmos that basically shows off the SDK and is something of a hub. ATOM is a token that Cosmos uses. When Cosmos was created, the devs were really like *ultra decentralization and freedom* and they decided to build it in a way where nobody would have to be a slave to ATOM or Cosmos. That was very kind of them but all it actually meant was that people could take Tendermint and run without buying a single ATOM or dealing with Cosmos. A lot of chains created after Cosmos and Ethereum L2s are using *something* from Tendermint. It's actually hyper successful as an SDK. It's just that by design, Cosmos and ATOM were created to be irrelevant. Also turns out that it seems like most devs that care about "interop" will just build an L2. They don't actually care about connecting to each other, they care about easy access to USDC, ETH and being EVM compatible.

watch-nerd

What's a "payment stablecoin"? Is USDC one?

uncapchad

If you're inside the USA your choices seem to be limited [**Crypto.com**](http://Crypto.com) via UpDown Options, regulated, American-style binary options on BTC, accessible to U.S. traders and overseen by the CFTC. Can be restricted by state. In the EU - Binance, Huobi (country restricted), [crypto.com](http://crypto.com) (again via UpDown Options). UpDown options allow traders to open long or short positions, contracts settled in **USDC.**

No-Contribution9918

I'd cut my loses already. Cardano is one of the most disappointing blockchains in all of crypto, especially given its current marketcap (and its previous ATH placing it at #3). It promised a lot, and delivered little to nothing. It's slow, expensive, low volume, low revenue, low usage, no native USDC/USDT, I could go on.

cyger

What legit banks were taken down causing much damage too the industry, like when USDC briefly depegged because if this. It was horrible, what was wrongfully taken down, see: https://np.reddit.com/r/CryptoCurrency/comments/1pzox30/house_report_details_biden_administrations/nws7que/

Radiant_Setting9172

You can use this Binance referral ID GRO_28502_18KJN, or this referral link [Binance referral link](https://www.binance.com/referral/earn-together/refer2earn-usdc/claim?hl=en&ref=GRO_28502_18KJN&utm_source=default) . The process is about the same: you send Euros to them from Revolut or any other bank and you can then trade the Euros from Binance account against any crypto they are paired with. If there isn’t a direct pair, an additional step is needed, to buy USDC first, as they replaced USDT with USDC these days for the users in the EU.

sylsau

**Stop calling it "safe." Holding stablecoins is a guaranteed loss.** We have been conditioned to believe that lack of volatility equals stability. It’s the greatest financial illusion of our time. When you hold USDT or USDC, you feel safe because $1 always equals $1. But the ship you are tethered to—the US Dollar—is sinking. Holding stablecoins is signing up for a guaranteed 3% to 5% loss of purchasing power every single year due to monetary debasement. That is not stability; it is a slow-motion crash. **Bitcoin is different. Yes, it’s volatile. It’s a lifeboat rocking violently in a storm. It looks scary.** But ask yourself: Would you rather be comfortably seated on a sinking ocean liner, or seasick in the only lifeboat that is actually floating on the rising tide of global liquidity? **True stability isn’t a fixed price. It’s fixed supply.** It's time to rethink what "safe" means.

HSuke

Ethereum, Chainlink, Cosmos, Polkadot, Polygon PoS, Filecoin, Arweave, USDC. All legit projects that built something useful. But aside from Ether and USDC, their tokens have not done well price-wise

krakensupport

Yeah for eligibility mate it will be whatever you see in the Earn section on Kraken Pro. We did have to shut down USDC and USDG in the EEA so in this case unfortunately you wouldn't be eligible but hopefully in the future! There will still be other options though.

46374289

Kraken gives 4.25% apy on USDC and has better fees

CapableFix9201

My USDC rewards (that get paid weekly) get split multiple ways to further compound more USDC, pay my annual coinbase membership, add some BTC, and build my CRO holdings to transfer to another exchange that uses it as a primary token but charges higher fee pretty much circumventing the fee structure and creating a free token stream.

oak1337

USDC > Tether USDT is a ticking timebomb. Trash. https://www.reuters.com/business/finance/tethers-stablecoin-downgraded-weak-sp-assessment-2025-11-26/

NilNow

It’s just another market like gold or crude oil at this point. I don’t think it really affects the dollar. The more interesting question is how stables affect the dollar, as USDC and USDT circulate widely around the world.

simpx01

Yeah, Coinbase's yield is basically nothing—totally get the overwhelm with all the options. - Start with Aave for simple lending (often 5-8% APY, overcollateralized for safety). - Tradeoff: Smart contract risks vs. fiat banks, but non-custodial keeps you in control. - For less hassle, auto-tools can rebalance yields. Yieldseeker on BASE is one hands-off option for USDC—among others. What's your risk tolerance?

jawni

You have google where you can easily find the answers, you have plenty of AIs that can easily compile the info for you. Why do you need me to do something so simple for you? Do you actually want to learn about this shit or are just upset that Trump actually did something right for once? Custodia Bank: Founded by Caitlin Long, Custodia was designed as a "bridge" bank for the digital asset industry. It was denied a Federal Reserve master account and membership in the Federal Reserve System. Long has argued this was a result of a coordinated "hit job" by regulators to prevent a compliant link between crypto and the U.S. dollar. Signature Bank & Silvergate Bank: Both were the primary banking rails for the U.S. crypto industry (via their Signet and SEN networks). While both faced liquidity issues during the 2023 banking crisis, many industry experts—including former Congressman Barney Frank—alleged that Signature was seized by regulators despite being solvent to send an "anti-crypto message." Circle (USDC): The issuer of the second-largest stablecoin faced a major crisis when its reserves at Silicon Valley Bank were frozen during the bank's collapse. Proponents of the Chokepoint 2.0 theory argue that regulators intentionally discouraged other banks from taking on Circle’s deposits to "choke" stablecoin liquidity. Dapper Labs: The creators of NBA Top Shot and the Flow blockchain reportedly had several banking relationships terminated or "paused" without specific cause in early 2023, leading to disruptions in their payment processing. Protego Trust & Paxos: Both firms sought national trust charters from the OCC to provide regulated crypto services. Protego's application was ultimately denied after a long "wait-and-see" period, and Paxos faced a high-profile "Wells Notice" from the SEC regarding its BUSD stablecoin, which led to a severing of its relationship with Binance and various banking hurdles. Sam Kazemian (Frax Finance): Reported that his personal accounts at JPMorgan Chase were closed. When he asked for a reason, he was told the bank "cannot do business with anyone whose primary source of wealth is crypto." Jesse Powell (Kraken): The Kraken co-founder has documented numerous instances where both the exchange and its leadership faced sudden account terminations by major "bulge-bracket" banks. Uniswap Labs: Founder Hayden Adams reported that his primary bank accounts were closed with no notice or explanation in 2022. This served as an early warning sign for the industry regarding the "guilt by association" for decentralized protocol developers. Anchorage Digital: In late 2024 and early 2025, reports emerged that Anchorage—a federally chartered crypto bank—was told by partner institutions that accounts would be closed because banks were "not comfortable" with the transactions of their crypto-native clients. Marathon Digital (MARA): CEO Fred Thiel testified before Congress in February 2025 about the extreme difficulty Bitcoin mining firms face in maintaining basic operating accounts for payroll and utilities, despite being a NASDAQ-listed company. Tornado Cash (Roman Storm): Co-founder Roman Storm reported being debanked repeatedly—even as recently as late 2024—while fighting legal charges. He noted he had lost count of how many times he had been "derisked" over the last 2.5 years. Gemini & Winklevoss Capital: Tyler and Cameron Winklevoss stated that they, their venture fund, and their exchange lost "more bank accounts than you can count on two hands" due to their involvement in the sector. Coinbase Employees: CEO Brian Armstrong has documented cases where mid-level employees at Coinbase had their personal checking and savings accounts closed. The justification often given was a vague "risk appetite" change, though it only affected those in the crypto industry. Marc Andreessen’s "Thirty Founders": In a high-profile 2024 interview, venture capitalist Marc Andreessen stated that at least 30 tech founders in the a16z portfolio had been secretly debanked over a four-year period, describing it as a coordinated use of the financial system against "political enemies." Propy Inc. & Natalia Karayaneva: The CEO of Propy (a real estate blockchain firm) reported being debanked twice—once for her company after seven years of handling millions in transactions, and personally in November 2024, shortly after the U.S. election. She described it as humiliating and linked it to broader anti-crypto hostility masked as "reputation risk." Ripple Labs (Brad Garlinghouse): The CEO of Ripple was personally debanked, as detailed in a November 2025 House Financial Services Committee report on Operation Chokepoint 2.0. This was part of a pattern where executives in the sector faced abrupt personal account closures without clear justification. Off the Chain Capital (Brian Estes): In November 2024, the CIO reported that JPMorgan debanked all its crypto clients except Coinbase, including his firm—a blockchain investment company. This left them scrambling for alternatives despite no violations. Strike (Jack Mallers): The CEO of Strike (a Bitcoin Lightning Network payments firm) reported debanking incidents in late 2025, amid broader claims of banks citing "risk management" to avoid crypto ties. This aligned with freezes on other stablecoin-related accounts. BlindPay & Kontigo: These Y Combinator-backed stablecoin startups had accounts frozen by JPMorgan in December 2025. Triggers included chargebacks and activity linked to sanctioned regions like Venezuela, but critics argued it reflected anti-crypto bias rather than pure compliance. CoinFund (Jake Brukhman): The founder and CEO was debanked in 2023-2024 from a 25-year-old personal account due to his involvement in the crypto investment space, which he attributed to Operation Chokepoint 2.0 pressures. Bankless (Ryan Sean Adams): The co-founder was debanked by Bank of America in 2019 for Coinbase transactions and running a Cosmos staking service. This was followed by SEC threats, leading him to shut down the business and pivot to DeFi advocacy. Quit (@0xQuit): A Solidity developer and former VP at Yuga Labs reported multiple debankings from 2013-2016, including account closures by banks, a Venmo ban, and even Coinbase shutting him out, all tied to frequent Bitcoin transactions. Farmington Bank (Moonstone Bank): In August 2023, the Federal Reserve issued an enforcement action against this bank for its stablecoin ventures, including ties to Alameda Research and Sam Bankman-Fried. It was forced to wind down crypto-related operations. Cross River Bank, Customers Bank, & Lead Bank: These fintech and commercial banks were highlighted in 2025 analyses as key targets of regulatory debanking under Operation Chokepoint 2.0. They faced FDIC "pause letters" and deposit caps (e.g., 15% on crypto-related funds), leading to widespread client terminations despite serving mostly B2B crypto firms with no retail exposure. Trump Family Members: A December 2025 House Oversight Committee post referenced debanking of Trump family members alongside crypto companies and tech founders, as part of federal regulators' alleged pressure campaigns without due process. Crypto Asset Management Firms (General): A 2025 House report noted that about two-thirds of crypto-focused asset managers (even those with traditional strategies) struggled with banking access, compared to minimal issues for non-crypto firms. This included denials for basic services like payroll.

ReinnAnawa

Yeah, basic questions often lead to the best discussions, what are you curious about specifically? Lending USDC on Aave for steady yields? Staking on chains like Base for lower fees.Diversify to avoid single-point risks? Yieldseeker's AI agents on Base have been handy for me as an automation option? What's your crypto goal?

Plenty_Dog_5684

Polymarket, for me it’s had no annoying fees and no withdrawal fees as long as you use USDC on Polygon

Feisty-Firefighter99

Trying to transact on btc is like trying to transact on gold. It’s inefficient. It’s a store of wealth first. Just cause people might accept gold as a form of payment doesn’t mean you should. The blockchain technology allows you to transact which is what USDC that Hal is talking about. Btc will just be a symbol like Batman

NFTbyND

I would sell everything and put it in Midnight Network $Night. The same people behind Cardano behind it, but with a way better foundation and the chain can do some serious innovative stuff. It will allow private stablecoins (USDC, etc.) in the industry. I'll get downvoted but check my past comments to learn more about it. This can easily reach top 20 tokens by market cap within 2 years. It's right now around top 50. Mainnet launches Q1 and insane announcements will be revealed then, Google and Microsoft are already supporting the chain.

jzen93

So you don't want BTC, USDC or any fiat. Only option looks liks EURC in my opinion

PrimaryHuckleberry11

do you have any problem with Revolut? Living in EU and what I typically do: fund my Revolut using debit card (instant transfer), then using SEPA from Revolut to Coinbase in EUR. (this is almost instant as well) if the amount I want to buy for is not too high I usually just buy on Coinbase. Otherwise I proceed to next step to convert EUR to USDC on Coinbase and sending over Solana network to Binance (also really fast transfer), there I buy what I need.

Illustrious-Boss9356

USDT running a .998 handle... USDC has been trading at a premium to USDT for some weeks now. Think CRCL a good bet and if USDT becomes impaired I really think we'll see BTC closer to $40k for a brief period before USDC fills the void and we slowly climb back in 2H 2026 into 2027.

DBRiMatt

I take a less is more approach personally; I might not get the highest possible allocation, but I generally get a very efficient allocation. I think some people go overboard with checking off all the possible criteria, and daily activities. I tend to throw in a little bit of ETH/USDC liquidity onto a dex as trading volume can be higher from everyone else trying to airdrop farm - and I simply trade with the intention of turning a profitable trade, rather than the intention of accruing another transaction. I probably made about 5k from various airdrops in 2025 from Linea, Scroll, ZkSync, Blast and Berachain - currently waiting on Katana TGE to come too, and each time I felt pretty happy with what I got for the effort I put in, meanwhile so many other users were raging they spent hundreds in gas fees xD TLDR: Use new networks to learn about them and discover new apps and see if you like the chain, with airdrop hunting as a secondary purpose, you'll feel a lot less stressed and feel better rewarded.

Small_Appearance2014

Use stablecoins on cheap chains (like USDT/USDC on Polygon or Solana) and wallets like LIFE Wallet to minimize fees.

watch-nerd

The startups I worked at weren't stable coins. Even so, this is a silly hang up. Circle, the makers of USDC, is a publicly traded company. I've never worked for Circle, but I'm positive their employees are paid via normal banking accounts. The product and the operating cash of the company are not the same thing.

watch-nerd

USDC

NFTbyND

On Ethereum you need an L2. On Midnight it would be on an L1. And on Midnight it's not just private by default, it's private by default if the contract creator chooses for it. They can also choose for a public contract. They can also choose for a mix of public and private aspects in the contract. >What's different about Midnight. 1. Is USDC private on Ethereum? It's not. I can see who you are transacting with. This can be private on Midnight. 2. Is Uniswap private or Ethereum? It's not. I can see what you are swapping. This can be private on Midnight. 3. Is polymarket private on Ethereum? It's not. I can see what you are betting on. This can be private on Midnight. 4. Can institutions run a private coordination layer on Ethereum to share medical record data en loan agreement data in a private smart contract? With the L2, kind of. But it's still too centralized for them and there are other technical issues that prevent a full adoption. Midnight mainnet in late 2026 will have hundreds of operators. And it will scale to thousands in the coming years, having validators from multiple chains. It's 5000 tps. It will have post-quantum folding schemes. And of course, very advanced privacy functionalities.

NFTbyND

Cardano could never do what Midnight can, the two are very different. Midnight allows for dapps on chains of Eth, Sol, Xrp, Ada, etc. to become private. We're talking about private DEXs, private prediction markets, private perp trading platforms, private RWAs, everything. Private stablecoins (the likes of USDC) will show up on Midnight Network and shake the industry, because we haven't seen all of this before. And when the stablecoin issuers need to prove compliance to the regulator, they can, by giving the regulator (temporary) viewing keys. This way we can have privacy in the industry, just like we have in Web2, and without losing compliance.

Phonktrax

I don’t see how bitcoin failed.. are you talking about bitcoins price in a fiat currency? Or do you mean bitcoin the monetary network which is the opposite of failing.. I don’t think capitalism is the problem here. If you produce more value into the marketplace you should be rewarded that value. In a freemarket the only way to get that value is if you get willing participants to part with their money to you.  No one is forcing a gun to you to eat their beef and cheeses. (Hopefully not.. cause then thats not a free market)  Bitcoin is being used in areas where currency failed as a store of value, then a medium of exchange cause no one wants it.. Check out Btcmaps. People and vendors use bitcoin.. not for number go up. But just as a marketable good to trade for things they produce and make.  Sure they could use dollars or USDC stable coins.. but then you are back to the game of praying that the USD doesn’t inflate.. which if you look at historical data it has nonstop. 

NFTbyND

Midnight Network is going to be the better privacy chain imo. It's entire ledger are recursive zk snarks, and in 2026 we will likely see private stablecoins (like USDC) on the network. USDC will probably then still be able to see who's transacting with who, but nobody else would. This is how midnight works, with selective disclosure and being able to generate viewing keys for regulators. But to everyone else its private. You can see who you are transacting with, and everyone else that you allow, but the rest can't. It's made for RWAs, and a solution to issues like private medical record transfers. I recommend checking it out

CryptoAd007

Globally, people should stay away from CEX and move to non-custodial OTC & DEX solutions... - For on & off ramping FIAT to USDT/USDC & vice-versa, one may use r/USDTexchange or r/USDCexchange sub. - For futures/perps trading, one may use **HyperLiquid/Lighter/Aster/EdgeX** (just Google these terms). *p.s. No one should fall for the KYC trap or use any Custodial Exchange/Wallet. Crypto should always be held at some non-custodial wallet like* **Trust Wallet/MetaMask/Rabby/Phantom.** *Remember, in Crypto, Not your Keys, Not your Coin.*

PirateSKB

XMR is good for security, Nano is fast is feeless, XLM is fast and takes very little time to transfer funds, BNB is basically a more centralized version of BTC but does better smart contracts than BTC, Litecoin is still around ironically and moves funds cheaply, USDC and USDT are important as stablecoins Etc

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Post is by: jbbdmt and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pwy8nc/i_have_small_cap_crypto_on_slingshot_still/ I have low cap coins on slingshot exchange but can’t buy or sell to USDC as they are closing. I need to transfer coins like Griffain, arc, MLC etc across to another exchange. Any ideas of a comparable exchange, or any other ideas what I can do before I lose everything? Thanks!🙏🏼 *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

biba8163

> DAOs are mostly a failure. DAOs are centralized governance bullshit scams with the facade of decentralization. This was obvious years ago but Crypto Bros are always slow to recognize scams. Some of my comments for well known DAOs from 3 years ago and 5 years ago show how these centralized bullshit scam people with the notion that they are decentralized when in reality when a handful of people or in these cases ONE person controls the whole DAO. MakerDAO: > One man, Rune Christensen controls the system, interest, fees, voting, etc. There are ELEVEN addresses that accounted for 98% of the voting for the protocol change for an "executive vote" used USDC. Eleven addresses control the entire protocol and a protocol change was voted in just...what 24 hrs? And most of those addresses are probably owned by a handful of people. On what planet is that decentralized? https://np.reddit.com/r/CryptoCurrency/comments/fl68d4/crypto_collateralized_stable_coins_have_proven/fkxc40i/ Aragon: > AGP42 : Put differently: aside from one whale, AGP42 passes. The Aragon community overall voted for AGP42, but it was rejected with 69% of the vote because of one whale. > AGP37: 82% in favor of AGP37. 453k to 99k. But then the whale voted. So despite 83% of addresses voting in favor of AGP37, on the surface it appears to be a large defeat where 66% vote against. > AGP-35:: Here’s another case in point: Edgeware Lockdrop Proposal for Aragon..The 792k whale voted for this. Deduct the whale’s votes and you get 338k. Which means that this proposal was losing by about 15% at ~43% versus ~57% pre-whale. Then the vote went from losing decisively to winning by a massive landslide. So aside from the whale, the Aragon community voted against Edgeware lock drop participation https://np.reddit.com/r/CryptoCurrency/comments/16qpy14/comment/k1zmjv5/

coinfeeds-bot

tldr; The article discusses concerns about the reserves and internal controls of HTX, a cryptocurrency exchange owned by Justin Sun. HTX's reserves include unusual assets like tokenized BTC from Poloniex, with unclear collateral backing, and a majority of its stablecoins, such as USDT and USDC, are lent out on platforms like Aave and Morpho. The article highlights discrepancies in reserve management, transparency issues, and Sun's involvement in various cryptocurrency projects, raising questions about the security and governance of HTX's assets. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

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coinfeeds-bot

tldr; Circle, the issuer of USDC stablecoin, has launched CircleMetals.com, a platform enabling the conversion of USDC into tokenized gold (GLDC) and silver (SILC) at real-time market prices. Leveraging blockchain technology and COMEX market liquidity, the platform integrates tokenized metals into DeFi, digital wallets, and cross-border payments. CircleMetals offers a liquid, programmable alternative to traditional gold investments, aiming to attract institutional investors and expand Circle's role as a financial infrastructure provider in the digital asset ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

tineweave

Yeah, 27% in stables earning 7% is solid for dry powder—I've been around 20-25% myself, feels like a smart cushion for dips without missing out. - Adjust based on market vibes; bull runs might trim to 15%, bears bump to 30%. - Diversify yields across 2-3 spots to hedge risks. - Trade-off: Liquidity vs. higher APY from riskier plays. I've mixed in Yieldseeker on BASE for automated USDC.

uni-twit

Why would someone borrow USD1? What possible utility does USD1 have over a more mainstream stable like USDC or Tether?

OkSeries5363

If you had no relationship with the ATO then of course no tax, but that means your like a tax resident of somewhere else who may want to. If you recently became a tax resident of Australia then value is simply the cost basis is AUD value on the day you became a tax resident. (This perfect for someone who wants to avoid all their previous capital gains) It will be the same if bring USD then sell, the best advice depends on your situation. The good news is all your previous previous capital gains are completely avoided depending on your exit tax in your home nation. If you just wanting to turn the USDC and USD into AUD, then it's probably easier to just sell USDC for USD, and manage that with your home nation tax, then do your USD to AUD in one go.

ForestFreund

Right but this money has been in USDC for literally several years, long before i had any tax relationship with Australia or the ATO. So in theory you’re saying that to calculate my cost basis on these USDC I would need to go back several years and look at what the exchange rate from USD to AUD was at that time? I think I’ll just swap whatever $$ I will need back to USD before moving over there, and then use traditional rails to move that USD to AUD. and avoid the whole mess.

OkSeries5363

If AUD is your local currency you are not opening a position. You are just closing a USDC position by selling USDC. USD and therefore USDC has been dropping against AUD so you potentially have capital losses. To calculate its just, the proceeds, what you received in AUD when you sold or the AUD value of the asset you sold for minus the cost basis, which is what your paid in AUD to buy the USDC. Eg you bought 1000 USDC for $1550 AUD so your cost basis is $1550 AUD When you sell the 1000 USDC say you receive $1500 AUD That means proceeds ($1500 AUD) - cost basis ($1550 AUD) = -$50 AUD So you have a $50 AUD in capital losses you can use to offset any gains that year. If you use Wise there will also be a capital gain or loss since you are getting rid of USDC.

alexkey

1. After moving to AU there’s a grace period during which incoming wire transfers from foreign banks are considered non-taxable as you are moving your funds with you. But I highly doubt same would go for crypto savings. DYOR here. 2. The tax on any FX exchange (which also happens during wire transfers) after that grace period is calculated based on the difference of value from the moment you became a resident until a disposal event. Presumably you know which day you landed, and at which rate you sold USDC, so you can work that out then.

ForestFreund

Really trying to work out how I could calculate what the gain or loss would be when swapping from USDC to AUD. It feels to me like that would be opening the position, not closing it. So no gain or loss could truly be calculated until I swapped back or perhaps to a different asset. Maybe it’s just easier to use Wise

alexkey

You do trigger a cgt event even in us, but if you sell your USDC for USD and to US bank account, the tax on that would be 0 since no gains. FYI Australia uses AUD, not USD, and exchange rate to USD is not fixed, so you do trigger CGT event and it will be either gain or loss depending on where the exchange rate goes. And any legitimate exchange reports transactions to ATO if you link it to AU bank account (or otherwise mark Australia as your place of residence).

alexkey

USDC has no special status. It is a cryptocurrency and therefore its disposal (changing to fiat) is a CGT event. You can easily google that yourself on ATO website.

ForestFreund

My savings that I hold in USDC would be considered a capital gain if I withdraw them in Australia? That makes no sense to me.

biba8163

> And a DAO would be a complete farce since Ripple controls the majority of the supply. ALL DAOs are farces. I've called this centralized governance bullshit scam out many times, 5 years ago, 3 years ago, etc. > One man, Rune Christensen controls the system, interest, fees, voting, etc. There are ELEVEN addresses that accounted for 98% of the voting for the protocol change for an "executive vote" used USDC. Eleven addresses control the entire protocol and a protocol change was voted in just...what 24 hrs? And most of those addresses are probably owned by a handful of people. On what planet is that decentralized? https://np.reddit.com/r/CryptoCurrency/comments/fl68d4/crypto_collateralized_stable_coins_have_proven/fkxc40i/ > AGP42 : Put differently: aside from one whale, AGP42 passes. The Aragon community overall voted for AGP42, but it was rejected with 69% of the vote because of one whale. > AGP37: 82% in favor of AGP37. 453k to 99k. But then the whale voted. So despite 83% of addresses voting in favor of AGP37, on the surface it appears to be a large defeat where 66% vote against. > AGP-35:: Here’s another case in point: Edgeware Lockdrop Proposal for Aragon..The 792k whale voted for this. Deduct the whale’s votes and you get 338k. Which means that this proposal was losing by about 15% at ~43% versus ~57% pre-whale. Then the vote went from losing decisively to winning by a massive landslide. So aside from the whale, the Aragon community voted against Edgeware lock drop participation https://np.reddit.com/r/CryptoCurrency/comments/16qpy14/comment/k1zmjv5/

misskathyli

Having idle USDC can feel weird when time is tight and markets move fast. Best Wallet lets me park stable balances cleanly so I can track them during lunch breaks without stress. I just want visibility, not complexity, after work.

Mayrazulchan

Getting USDC as a drop feels surreal, like a gig payout. Best Wallet fit into my flow since I could see funds and plan. As a creative, I care about tools that stay out of the way and support timing.

Arijan101

Let's take a close look at the examples you provided: >Georgia Partners with Hedera to Explore On-Chain Land Registry | Live Bitcoin News This is a non-binding memorandum in the exploratory phase aka a nothing burger. >Powys company DOVU to run $1 billion US farming scheme | County Times What does this have to do with crypto or block - chain tech? >Press Release: PayPal Drives Crypto Payments into the Mainstream, Reducing Costs and Expanding Global Commerce - Jul 28, 2025 Even if the option to pay in crypto exists on PayPal doesn't mean anyone right in the head will accept large payments in assets as volatileas crypto, this is mostly referring to stablecoins. >OCBC kicks off $1 billion digital US commercial paper programme | Reuters From the article: "OCBC has leveraged blockchain to establish a US$1 billion digital US commercial paper (USCP) programme, unlocking near-instantaneous short-term US dollar funding capabilities for the bank. This near-instant settlement is made possible by tokenised securities and funds being on-chain, enabling OCBC to receive funds within minutes." Again, inhouse built tech by a bank for that same bank, completely irrelevant for this conversation. >Visa Launches Stablecoin Settlement for Banks. Circle Stock Is the Big Winner. - Barron's Read the article "Stablecoin Settlement" completely irrelevant for any publicly traded crypto project except USDC which is a stablecoin. >Ethereum Leads Wall Street Tokenization Race as Mass Adoption Looms Speculative financial astrology "mass adoption looms", "it's right around the corner" like anyone of sound mind will pay astronomical fees on the ETH chain to buy and sell tokenized assets, honestly.... >Just copy and paste into google and read the articles for yourself. Forgot to turn them into links Yeah,copy and pasting is the easy part, critical thinking is another thing entirely, but when you're a hammer everything looks like a nail.